Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12495009
Complaint Overview
Complaint ID: 12495009
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: California
ZIP Code: 91316
Date Received: 2025-03-14T12:00:00-05:00
Date Sent to Company: 2025-03-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report, as provided by your agency. It has come to my attention that several entries listed are erroneous and must be investigated and rectified immediately in compliance with the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ]. The specific issues requiring immediate investigation are : XXXX. Charge-off Accounts : - XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) XXXX. Incorrect Inquiries : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX In light of the recent lawsuit against Experian by the Consumer Financial Protection Bureau ( CFPB ), which highlighted failures to properly investigate consumer disputes, I urge you to conduct a thorough and honest investigation into these matters. According to CFPB Director XXXX XXXX, Experian 's prior handling of consumer disputes lacked the depth and commitment required under federal law. This malpractice has significant financial implications for consumers like myself. I have attached relevant documentation supporting my claim. I expect a prompt resolution, including the correction and update of my credit report. Under the FCRA, I am entitled to a prompt investigation and correction of any inaccurate information, and I expect written notification of the results within 30 days. Thank you for your urgent attention to this matter. I look forward to your swift response. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #12495009 about?
Complaint #12495009 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-03-14T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.